Until we started going to BVI on sailing trips about seven years ago I was never that interested in the extra expense of travel insurance. Our first BVI trip was a crewed charter AND scuba certification trip - high expense and risk. We got insurance for the first time. I did not think the cost to cover two people was really that high. Since then I always consider trip insurance and not just for our BVI trips. In September 2018 my family had a beach house reservation for a week on the east coast of the US. Hurricane Florence put an end to that; however, because we had insurance my husband and I were able to get a last minute flight to Miami and had a wonderful time in Key Largo. Sadly, we had friends scheduled to be at the beach (different house) that same week. They did not have insurance and lost their investment.
This year we are using the coverage on our Chase credit card. It seems to be very similar to the coverage we were getting through CSA. If you are using a credit card check the coverage - you may have more than you realize.
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